Mortgage and Equity Release Client Agreement

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Mortgage and Equity Release Client Agreement"

Transcription

1 Mortgage and Equity Release Client Agreement Client name Date of issue

2 CONTENTS Client agreement 1 This details the terms and conditions under which we will conduct business with you. Keyfacts about our mortgage services and costs 3 This will help you compare our services to those offered by other mortgage advisers. Keyfacts about our equity release services and costs 4 This will help you compare our services to those offered by other mortgage advisers. Attitude to risk 5 This will help you and us to determine your risk profile. Declaration Client copy 6 Please sign and retain this copy for your records. Declaration Adviser copy 7 Please sign this copy of the declaration and return it to us. We will not be able to act for you until we have your signed and dated copy of this agreement and have undertaken full money-laundering checks. THIS CLIENT AGREEMENT ONLY COVERS BROOKS MACDONALD FINANCIAL CONSULTING LTD S MORTGAGE FINANCE AND EQUITY RELEASE SERVICE. OUR FINANCIAL PLANNING, EMPLOYEE BENEFITS AND TAX RETURN SERVICES ARE SUBJECT TO SEPARATE CLIENT AGREEMENTS.

3 MORTGAGE AND EQUITY RELEASE CLIENT AGREEMENT This agreement is issued by Brooks Macdonald Financial Consulting Limited ( BMFC ) of 111 Park Street, Mayfair, London W1K 7JL who can be contacted on or by ing: Once completed, signed and dated by you, this agreement will constitute a legally binding agreement between both parties. Authorisation statement Brooks Macdonald Financial Consulting Limited is authorised and regulated by the Financial Services Authority. The Financial Services Authority regulates the financial services industry in the UK and their address is 25 The North Colonnade, Canary Wharf, London, E14 5HS. You can check this on the FSA s Register by visiting the FSA s website FSA No or by contacting the FSA on Permitted business Our permitted business is advising on and arranging savings and investments products, pensions, mortgages and non-investment insurance contracts and equity release products. We also offer advice on commercial mortgages however these are not regulated by the FSA. Client classification Each client with whom the firm does business is categorised to identify the level of regulatory protection afforded to them. We propose to classify you as a Retail Client which gives you the benefit of all the protections available. You may request that we classify you as a professional client in order to receive less information and protection but we do not believe this will be in your best interests. Communications All communications will be in English. Scope of service We operate independently and therefore provide mortgage, insurance and equity release services from the whole market. Our advice will be based on the information provided to us after we have assessed your needs and once implemented may be adversely affected by developments in taxation or other regulation changes. Should your circumstances or objectives change, you should contact us to arrange a review. The value of any investments made and any income from them can go down as well as up and past performance is not necessarily a guide to future performance. Additionally currency fluctuations may affect the performance of the investment. We shall not be held liable for any loss incurred by you arising from changes in market conditions. Services to be provided With regard to products which we have arranged for you, these will not be kept under review but we will advise you upon your request. However, we may contact you in the future by means of an unsolicited promotion should we wish to contact you to discuss the relative merits of an investment or service which we feel may be of interest to you. On issue of this letter any subsequent advice or recommendation offered to you will be based upon your stated investment objectives, acceptable level of risk and any restrictions you wish to place on the type of investments or policies you are willing to consider. We will issue you a suitability letter to confirm our recommendation. Unless confirmed we will not place any restrictions on our recommendations. BMFC does not handle clients money. We never accept a cheque made out to us unless the cheque is in settlement of charges or disbursements for which we have sent you an invoice or handle cash. We will forward all policy documents and contract notes to you within fourteen days of receipt, either in person or by post, unless agreed otherwise. Clients are responsible for the answers given on proposal forms, claim forms and other documentation. All of these should be read and checked carefully before they are submitted. Documents held by us may not be lent or forwarded to a third party unless we are in receipt of written authority from you. We therefore do not accept liability for default by any third party you have nominated. BMFC acts as your agent in advising you and arranging investments. We never own the investments, which you buy through us and all investments will be registered in your name unless otherwise agreed in writing. We normally ask our clients to give us instructions in writing to avoid possible disputes. However, we may accept verbal instructions at our discretion. We reserve the right to decline to execute for you, for any reason whatsoever, any transaction. Mortgage Finance Client Agreement BMMF.ca.2011.v1 Page 1

4 Paying for our services Not all firms charge for advice the same way. We will discuss your payment options with you and answer any questions you may have. We will not charge you anything until you have agreed how we are paid. Existing policies will remain subject to the commission terms under which they were written. A fee of up to 2% of the sum borrowed payable on completion of the mortgage. A fee of up to 2% of the equity released with a minimum payment of 1,000 for equity release transactions. It is our usual practice to offset the fee by the amount of commission we expect to receive from the lender. Alternatively you can select a feeonly option. Fees for buy-to-let and commercial mortgages will be quoted on a case by case basis. Fees will be invoiced on the legal completion of the mortgage or equity release and are payable within fourteen days of receiving the invoice. BMFC will advise you of any fee received from the lender which will be offset against the total fees payable. Should the arrangements that BMFC make for you change from those agreed, it may be necessary for a new fee agreement to be signed, in which case you will be advised in writing of such a requirement. You may incur other taxes and/or charges which are not imposed by BMFC or payable to BMFC. Material interest We will act honestly, fairly and professionally when conducting business with you in accordance with Client s best interest regulations. Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. Rights to cancel We will inform you of your statutory right to cancel. The Distance Marketing Directive normally grants you up to 30 days in which you may cancel a life or pension contract. However there will be occasions where no statutory rights are granted, however this will be explained before any contract is concluded. Under the Financial Services (Distance Marketing) Regulations 2004, where we have not met face-to-face before agreeing to provide services to you under this agreement, you have the right to cancel this agreement by delivering a notice of cancellation to us within 15 days of this agreement being entered into signed by both parties as applicable. Please note, however, that if you request us to start work within that 15 day period under the Financial Services (Distance Marketing) Regulations 2004 if you subsequently cancel we will be entitled to charge you for the work carried out. By signing and returning a copy of this agreement you are authorising us to start work immediately, unless you explicitly instruct us in writing not to commence work within this period. You can send your right to cancel to the address stated above or by ing Complaints In you wish to register a complaint, please either write to the Compliance Officer, Brooks Macdonald Financial Consulting Limited of 111 Park Street, Mayfair, London W1K 7JL who can be contacted or by A written copy of our complaint handling procedures is available on request. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. Data protection The information you have provided is subject to the Data Protection Act 1998 (the Act ). By signing this document you consent to us or any company associated with us processing, both manually and by electronic means, your personal data for the purposes of providing advice, administration and management. Processing includes obtaining, recording or holding information or data, transferring it to other companies associated with us, product providers, the FSA or any other statutory, governmental or regulatory body for legitimate purposes including, where relevant, to solicitors and/or other debt collection agencies for debt collection purposes and carrying out operations on the information or data. We may also contact you (including by telephone) with details of any other similar products, promotions, or for related marketing purposes in which we think you may be interested. Information will not be provided to third parties for mailing purposes. The information provided may also contain sensitive personal data for the purposes of the Act, being information relating to your physical or mental health or condition; the commission or alleged commission of any offence; any proceedings for an offence committed or alleged to have been committed, including the outcome or sentence in such proceedings; political opinions, religious or similar beliefs, sexual life; or Mortgage Finance Client Agreement BMMF.ca.2011.v1 Page 2

5 membership of a Trade Union. If at any time you wish us or any company associated with us to cease processing your personal data or sensitive personal data, or contacting you for marketing purposes, please contact the Compliance Officer, Brooks Macdonald Financial Consulting Limited of 111 Park Street, Mayfair, London W1K 7JL who can be contacted on or by You may be assured that we and any company associated with us will treat all personal data and sensitive personal data as confidential and will not process it other than for a legitimate purposes. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. As a corporate policy, we will maintain all records relating to any transaction for a period of seven years. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the data. Subject to certain exceptions, you are entitled to have access to your personal and sensitive personal data held by us. You may be charged a fee (subject to the statutory maximum) for supplying you with such data. Law These Terms of Business are governed and shall be construed in accordance with English Law and the parties shall submit to the exclusive jurisdiction of the English Courts. Termination The authority to act on your behalf may be terminated at any time without penalty by either party giving seven days notice in writing to that effect to the other, but without prejudice to the completion of transactions already initiated. Any transactions effected before termination and a due proportion of any period charges for services shall be settled to that date. Money laundering In line with anti-money laundering legislation, BMFC is required to verify your identity. In light of changing legislation to combat money laundering, the Company reserves the right to do so electronically at outset of this relationship and on an ongoing basis. This will result in a non-negative record or footprint being created on your electronic file with credit agencies which will be visible to you on accessing your records but will not serve as a detriment to you when applying for credit. Mortgage Finance Client Agreement BMMF.ca.2011.v1 Page 3

6 ABOUT OUR SERVICES AND COSTS Brooks Macdonald Financial Consulting Ltd 111 Park Street Mayfair London W1K 7JL The Financial Services Authority (FSA) The FSA is the independent watchdog that regulates financial services. This document has been designed by the FSA to be given to consumers considering buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it. Whose products do we offer? Insurance We offer products from a range of insurers for Term Assurance, Critical Illness Insurance and Income Protection Insurance. We only offer products from a limited number of insurers. We can only offer products from one insurer. Mortgages We offer mortgages from the whole market. We only offer mortgages from a limited number of lenders. We only offer mortgages from a single lender. Which service will we provide you with? Insurance We will advise and make a recommendation for you after we have assessed your needs for Term Assurance, Critical Illness Insurance and Income Protection Insurance. You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. Mortgages We will advise and make a recommendation for you on mortgages after we have assessed your needs. You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of mortgages that we will provide details on. You will then need to make your own choice about how to proceed. What will you have to pay us for our services? Insurance A fee. The exact amount will be agreed in writing before we begin any work. No fee. You will receive a quotation which will tell you about any other fees relating to any particular insurance policy. Mortgages No fee. A fee of up to 2% of the sum borrowed payable on completion of the mortgage. It is our usual practice to offset this fee by the amount of commission we expect to receive from the lender. You will receive a Key Features illustration when considering a particular mortgage which will tell you about any fees relating to it. Refund of fees - Mortgages If we charge you a fee, and your mortgage does not go ahead, you will receive: No refund if you decide not to take out a mortgage. Who regulates us? Brooks Macdonald Financial Consulting of Park Street, Mayfair, London W1K 7JL is authorised and regulated by the Financial Services Authority. Our FSA Register number is Our permitted business is arranging and advising on mortgages, equity release, general insurance and investments. You can check this on the FSA s Register by visiting the FSA s website or by contacting the FSA on Mortgage Finance Client Agreement BMMF.ca.2011.v1 Page 4

7 What to do if you have a complaint If you wish to register a complaint, please contact us: in writing: The Compliance Officer, Brooks Macdonald Financial Consulting, Park Street, Mayfair, London W1K 7JL. by phone: If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance: Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Mortgages: Mortgage advising and arranging is covered for up to a maximum limit of 50,000. Further information about compensation scheme arrangements is available from the FSCS Mortgage Finance Client Agreement BMMF.ca.2011.v1 Page 2

8 ABOUT OUR SERVICES AND COSTS Brooks Macdonald Financial Consulting Ltd 111 Park Street Mayfair London W1K 7JL The Financial Services Authority (FSA) The FSA is the independent watchdog that regulates financial services. This document has been designed by the FSA to be given to consumers considering buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it. Whose products do we offer? We offer Equity Release Products from the whole market. We only offer Equity Release Products from a limited number of lenders. We do not offer Equity Release Products. Which service will we provide you with? We will advise and make a recommendation for you after we have assessed your needs. You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of Equity Release Products that we will provide details on. You will then need to make your own choice on how to proceed. What will you have to pay for this service? No fee. We will be paid commission from the lender / company that buys your home. A fee of up to 2% of the equity released with a minimum fee payable of 1,000. It is our usual practice to offset this fee by the amount of commission we expect to receive from the lender. Alternatively clients can select a fee-only option. You will receive a Key Facts illustration when considering a particular equity release product, which will tell you about any fees relating to it. Refund of fees If we charge you a fee, and your equity release sale does not go ahead, you will receive: No refund in any circumstances. Who regulates us? Brooks Macdonald Financial Consulting of Park Street, Mayfair, London W1K 7JL is authorised and regulated by the Financial Services Authority. Our FSA Register number is Our permitted business is arranging and advising on mortgages, equity release products, general insurance and investments. You can check this on the FSA s Register by visiting the FSA s website or by contacting the FSA on What to do if you have a complaint If you wish to register a complaint, please contact us: in writing The Compliance Officer, Brooks Macdonald Financial Consulting, Park Street, Mayfair, London W1K 7JL. by phone If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. Are we covered by the Financial Services Compensation Scheme (FSCS)? We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Equity release advising and arranging is covered for 100% of the first 30,000 and 90% of the next 20,000 so the maximum compensation is 48,000. Further information about compensation scheme arrangements is available from the FSCS. Message from the Financial Services Authority: Think carefully about this information before deciding whether you want to go ahead. If you are at all unsure about which equity release transaction is right for you, you should ask your adviser to make a recommendation. Mortgage Finance Client Agreement BMMF.ca.2011.v1 Page 4

9 ATTITUDE TO RISK Brooks Macdonald Financial Consulting Ltd 111 Park Street Mayfair London W1K 7JL All recommendations made by Brooks Macdonald Financial Consulting are based on our client s objectives, current circumstances, and attitude to investment risk. As one of the three key factors governing our recommendations, it is obviously therefore very important that our client s attitude to risk is understood by us. RISK PROFILES Low Repaying your mortgage on a capital repayment basis presents very little risk. The mortgage will be repaid in full at the end of the agreed term through regular repayments of interest and capital, based on the lenders calculations. Medium to High Arranging your mortgage on an interest only basis with an investment vehicle (e.g. ISA, pension). Your mortgage lender will only charge interest and the proceeds of the investment vehicle will be used to repay the capital. The ultimate value of the investment will be subject to market returns and your contribution level. This method does not guarantee mortgage repayment at the end of the term. High Arranging your mortgage on an interest only basis, without an investment vehicle in place. Your loan will be due for full repayment at the end of the term. It is your responsibility to ensure that you have sufficient means to cover this liability. Mortgage Finance Client Agreement BMMF.ca.2011.v1 Page 5

10 CLIENT COPY PLEASE SIGN AND RETAIN THIS COPY FOR YOUR RECORDS DECLARATION contact We are able to exchange contact with clients using . This can include secure and confidential information such as valuations or recommendations. Please tick the box(es) indicating your preference and complete your address below. If you do not have we will continue to correspond via post: I do not wish to be contacted in any way by and/or I do not have access to I am happy to receive general information such as market updates to the following address I am happy to receive confidential information such as recommendations and valuations to the following address. Client consent Your attention is drawn to our Client Agreement upon which we intend to rely. For your own benefit and protection, you should read the terms of the Client Agreement carefully before signing the declaration below. If you do not understand any point please ask for further information. Based on the details provided to the firm, in the event of them obtaining for me a mortgage offer, I agree to pay Brooks Macdonald Financial Consulting a fee of on legal completion of the mortgage, within 14 days of receiving the invoice. I am aware that they will advise me of any fee received from the lender. I confirm that I will not proceed unless I am satisfied that I have understood the information provided to us and accept that the advice is appropriate at the time it is provided. If my circumstances change I will inform BMFC so that a review of their advice can be undertaken. This agreement may be terminated by either party by giving immediate written notice. Transactions already initiated will proceed. In the event that you exercise the option to terminate this agreement, the Company shall be entitled to receive from you all costs, charges and expenses accrued or incurred under this agreement for work undertaken, from the date of the execution of this agreement up to the date of termination. I understand and consent to the above terms and I hereby authorise the transfer of information, as described above on a confidential basis when warranted between such third parties. I agree that the Terms of Business will come into effect from the date of issue. Attitude to risk address Client name(s) Client signature(s) Date On behalf of Brooks Macdonald Financial Consulting Ltd Consultant name Consultant signature Date Notes: Please sign both copies of this Agreement retaining one for your own records. The second copy will be retained on our files. If there is anything that you do not understand, please contact your adviser or the Compliance Department on , at 111 Park Street, Mayfair, London W1K 7JL or at Mortgage Finance Client Agreement BMMF.ca.2011.v1 Page 6

11 ADVISER COPY PLEASE SIGN AND RETURN THIS COPY TO BROOKS MACDONALD FINANCIAL CONSULTING DECLARATION contact We are able to exchange contact with clients using . This can include secure and confidential information such as valuations or recommendations. Please tick the box(es) indicating your preference and complete your address below. If you do not have we will continue to correspond via post: I do not wish to be contacted in any way by and/or I do not have access to I am happy to receive general information such as marke updates to the following address I am happy to receive confidential information such as recommendations and valuations to the following address. Client consent Your attention is drawn to our Client Agreement upon which we intend to rely. For your own benefit and protection, you should read the terms of the Client Agreement carefully before signing the declaration below. If you do not understand any point please ask for further information. Based on the details provided to the firm, in the event of them obtaining for me a mortgage offer, I agree to pay Brooks Macdonald Financial Consulting a fee of on legal completion of the mortgage, within 14 days of receiving the invoice. I am aware that they will advise me of any fee received from the lender. I confirm that I will not proceed unless I am satisfied that I have understood the information provided to us and accept that the advice is appropriate at the time it is provided. If my circumstances change I will inform BMFC so that a review of their advice can be undertaken. This agreement may be terminated by either party by giving immediate written notice. Transactions already initiated will proceed. In the event that you exercise the option to terminate this agreement, the Company shall be entitled to receive from you all costs, charges and expenses accrued or incurred under this agreement for work undertaken, from the date of the execution of this agreement up to the date of termination. I understand and consent to the above terms and I hereby authorise the transfer of information, as described above on a confidential basis when warranted between such third parties. I agree that the Terms of Business will come into effect from the date of issue. Attitude to risk address Client name(s) Client signature(s) Date On behalf of Brooks Macdonald Financial Consulting Ltd Consultant name Consultant signature Date Notes: Please sign both copies of this Agreement retaining one for your own records. The second copy will be retained on our files. If there is anything that you do not understand, please contact your adviser or the Compliance Department on , at 111 Park Street, Mayfair, London W1K 7JL or at Mortgage Finance Client Agreement BMMF.ca.2011.v1 Page 7

G74 5DD. We only offer products from a limited number of companies.?? We only offer a particular product from a single group of companies.

G74 5DD. We only offer products from a limited number of companies.?? We only offer a particular product from a single group of companies. about our services A to Z Limited 6 Bowmore Cr, Glasgow, G74 5DD 1. The Financial Services Authority (FSA) The FSA is the independent watchdog that regulates financial services. This document is designed

More information

Client Agreement document

Client Agreement document Client Agreement document for Burton and Fisher Financial Services Introduction This document is aimed at providing you with an overview of Burton and Fisher Financial Services and to introduce you to

More information

Client Agreement for Investments, Insurance & Equity Release and Valued Service Proposition

Client Agreement for Investments, Insurance & Equity Release and Valued Service Proposition Client Agreement for Investments, Insurance & Equity Release and Valued Service Proposition This agreement is made between: Maxlyte Financial Limited And Peter Maxwell-Lyte 16 Stone House 9 Weymouth Street

More information

Austin Suite Business & Innovation Centre Sunderland SR5 2TA

Austin Suite Business & Innovation Centre Sunderland SR5 2TA TERMS OF ENGAGEMENT Investment Mortgage Protection Financial Planning WJR Financial Solutions Limited Austin Suite Business & Innovation Centre Sunderland SR5 2TA 06/2015 V1.1 1. Authorisation Statement

More information

about our equity release services

about our equity release services about our equity release services Pembroke Financial Services Limited 5 The Drive Hove East Sussex BN3 3JE 1. The Financial Services Authority (FSA) The FSA is the independent watchdog that regulates financial

More information

Evolve Financial Solutions Mortgage & Insurance Services & Costs

Evolve Financial Solutions Mortgage & Insurance Services & Costs Evolve Financial Solutions Mortgage & Insurance Services & Costs Authorisation Statement Evolve Financial Solutions is Authorised and Regulated by the Financial Conduct Authority (FCA). The FCA regulates

More information

Mortgages, Equity Release and Protection Planning

Mortgages, Equity Release and Protection Planning Page 1 of 6 Client Agreement Mortgages, Equity Release and Protection Planning 1. INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific

More information

mumbles pier, swansea Client Agreement and Service Proposition

mumbles pier, swansea Client Agreement and Service Proposition mumbles pier, swansea Client Agreement and Service Proposition Contents 1 Our services and standards 2 The advice process 3 How we charge for our services 4 Our ongoing service 5 Ongoing adviser charge

More information

Client Agreement Mortgages, Equity Release and Protection Planning

Client Agreement Mortgages, Equity Release and Protection Planning Client Agreement Mortgages, Equity Release and Protection Planning 1. INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific services

More information

Important Information about our mortgage services

Important Information about our mortgage services Important Information about our mortgage services F11 Business Centre 1. Whose mortgages do we offer? We offer a comprehensive range of from across the market, but not deals that you can only obtain by

More information

Client Agreement. Investment, Protection and Financial Planning

Client Agreement. Investment, Protection and Financial Planning Page 1 of 10 Client Agreement Investment, Protection and Financial Planning 1. INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific

More information

Our Client Agreement for Mortgages & Insurance

Our Client Agreement for Mortgages & Insurance 1. This agreement is issued on behalf of Duchy Independent Financial Advisers Ltd of Chy Jenner, Newham Quay, Truro, Cornwall TR1 2DP whom can be contacted at 01872 240368. Authorisation Statement Duchy

More information

SMITH & PINCHING FINANCIAL SERVICES LTD 295 Aylsham Road, Norwich, NR3 2RY Telephone: 01603 789966 Fax: 01603 789937 Email: info@smith-pinching.co.

SMITH & PINCHING FINANCIAL SERVICES LTD 295 Aylsham Road, Norwich, NR3 2RY Telephone: 01603 789966 Fax: 01603 789937 Email: info@smith-pinching.co. SMITH & PINCHING FINANCIAL SERVICES LTD 295 Aylsham Road, Norwich, NR3 2RY Telephone: 01603 789966 Fax: 01603 789937 Email: info@smith-pinching.co.uk CLIENT AGREEMENT WHAT SERVICES DO WE OFFER? Smith &

More information

Client Agreement Mortgages, Equity Release and Insurance

Client Agreement Mortgages, Equity Release and Insurance Client Agreement Mortgages, Equity Release and Insurance An overview of the services we offer I am an Independent Adviser, which means that I offer a range of services designed to meet the financial goals

More information

Mortgages, Equity Release and Protection Planning

Mortgages, Equity Release and Protection Planning Page 1 of 7 Client Agreement Mortgages, Equity Release and Protection Planning 1. INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific

More information

Client Service Agreement

Client Service Agreement Client Service Agreement Terms of Engagement Service Proposition Fee Agreement 3D Financial Planning 01737 735002 Terms of Engagement 3D Financial Planning is a member of Best Practice IFA Group Limited,

More information

Hamblin-Martin Financial: Service Charter Mortgage & Insurance

Hamblin-Martin Financial: Service Charter Mortgage & Insurance Hamblin-Martin Financial: Service Charter Mortgage & Insurance OUR SERVICES 2 TERMS OF BUSINESS 3 THE COST OF OUR SERVICES 6 TERMS OF AGREEMENT 9 CUSTOMER CHARTER & OUR CONTACT DETAILS 10 Client Agreement

More information

CLIENT AGREEMENT CLIENT AGREEMENT VERSION 1.5.15

CLIENT AGREEMENT CLIENT AGREEMENT VERSION 1.5.15 CLIENT AGREEMENT VERSION 1.5.15 CLIENT AGREEMENT Chadney Bulgin is authorised and regulated by the Financial Conduct Authority (FCA), FCA register number 483323. Contents 1. The Financial Conduct Authority

More information

Mortgages, Equity Release and Protection Planning

Mortgages, Equity Release and Protection Planning apr Client Agreement Mortgages, Equity Release and Protection Planning 1. INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific services

More information

Client Agreement 1.9.14

Client Agreement 1.9.14 Client Agreement This is our standard client agreement upon which we intend to rely. For your own benefit and protection you should read these terms carefully before signing them. If you do not understand

More information

Terms of Business Equity Release Mortgages and Protection Planning

Terms of Business Equity Release Mortgages and Protection Planning Terms of Business Equity Release Mortgages and Protection Planning 1. Introduction This document sets out the terms under which our services are to be provided, including a summary of our charges for those

More information

True Bearing Chartered Financial Planners Terms of Business

True Bearing Chartered Financial Planners Terms of Business True Bearing Chartered Financial Planners Terms of Business The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services. This document has been designed to be given

More information

Client Agreement Mortgages and Protection Planning

Client Agreement Mortgages and Protection Planning Client Agreement Mortgages and Protection Planning 1. INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific services and a summary

More information

4. FINANCIAL PLANNING AND HOW WE CHARGE FOR IT

4. FINANCIAL PLANNING AND HOW WE CHARGE FOR IT Client Agreement 1. INTRODUCTION This agreement sets out the terms under which our services are to be provided, including details of the specific services and a summary of our charges for those services.

More information

Jones Harris Chartered Financial Planning Ltd Terms of Business Letter and Services and Fee Agreement

Jones Harris Chartered Financial Planning Ltd Terms of Business Letter and Services and Fee Agreement Jones Harris Chartered Financial Planning Ltd Terms of Business Letter and Services and Fee Agreement The FSA is the independent watchdog that regulates financial services. This document has been designed

More information

Client Agreement for Investments & Insurances

Client Agreement for Investments & Insurances 17 Hamble Road, Swindon, SN25 3PF T: 01793 978184 M: 07984415189 E: jrelph@executivewealthmanagement.co.uk for Investments & Insurances This document must be read in conjunction with our Service Proposition

More information

This document explains the service you are being offered and how you will pay for it.

This document explains the service you are being offered and how you will pay for it. CLIENT AGREEMENT This document explains the service you are being offered and how you will pay for it. 1. Commencement date This Client Agreement comes into effect on the date you receive it from us. 2.

More information

CLIENT AGREEMENT. Candid Financial Advice Limited 95A High Street Thame Oxfordshire OX9 3EH

CLIENT AGREEMENT. Candid Financial Advice Limited 95A High Street Thame Oxfordshire OX9 3EH Candid Financial Advice Limited 95A High Street Thame Oxfordshire OX9 3EH CLIENT AGREEMENT 1. This document sets out the basis on which we will conduct business with you and on your behalf. It is an important

More information

Retail Client Agreement Investment, Insurance and Mortgage Services

Retail Client Agreement Investment, Insurance and Mortgage Services Retail Client Agreement Investment, Insurance and Mortgage Services Lewis Investment 41 Commercial Road Poole Dorset BH14 0HU 1. Introduction The purpose of this agreement is to set out the basis on which

More information

Client Agreement. Chase Financial Services Limited trading as Chase Wealth Solutions is licensed by the Isle of Man Financial Supervision Commission.

Client Agreement. Chase Financial Services Limited trading as Chase Wealth Solutions is licensed by the Isle of Man Financial Supervision Commission. Client Agreement This agreement is between the client ( you ) and Chase Wealth Solutions for the provision of advice and services described later in this document Chase Financial Services Limited trading

More information

ABOUT OUR SERVICES & COSTS

ABOUT OUR SERVICES & COSTS ABOUT OUR SERVICES & COSTS Our Promise We will always treat you fairly. You can expect in all our dealings with you that we will: treat you as we ourselves would expect to be treated never take advantage

More information

ABOUT OUR SERVICES AND COSTS

ABOUT OUR SERVICES AND COSTS Services and Costs Disclosure Document: MP 11 R BTL Edition: January 2015 ABOUT OUR SERVICES AND COSTS Fadders Consultancy, Devonshire House, Manor Way, Borehamwood, WD6 1QQ Intrinsic Customer Promise

More information

about our services and costs

about our services and costs about our services and costs HCF Partnership Ltd, 501 Centennial Park, Centennial Avenue, Elstree, Hertfordshire, WD6 3FG. T: 020 8236 3330 www.hcf.co.uk 1. The Financial Services Authority (FSA) The FSA

More information

about our services and costs

about our services and costs Services and Costs Disclosure Document: MP 11 ( R ) about our services and costs GBP Financial Solutions 35 Victoria Road Romford Essex RM1 2LH Edition: January 2015 Intrinsic Customer Promise We will

More information

about our services and costs

about our services and costs Services and Costs Disclosure Document: MP8i about our services and costs FPS Financial 66 St Nicolas Park Drive Nuneaton CV11 6DJ Tel: 02476 351 123 Edition: August 2012 Intrinsic Customer Promise We

More information

about our insurance services

about our insurance services about our insurance services Alton House 27-31 Grange Road, Darlington, DL1 5NA Telephone: 01325 346 328 Fax: 01325 480 708 www.ukinsurancenet.com 1. The Financial Conduct Authority (FCA) The FCA is the

More information

about our services and costs for equity release services

about our services and costs for equity release services Services and Costs Disclosure Document: ER9 (R) about our services and costs for equity release services AIC Financial Ltd Suite 15, North Colchester Business Centre 340 The Crescent Colchester, Essex

More information

about our services and costs

about our services and costs Services and Costs Disclosure Document: MP12.0r about our services and costs Greentree Financial Planning Ltd Flint Cottage, Sawyers Lane Suton, Wymondham Norfolk, NR18 9JH Edition: September 2015 Intrinsic

More information

About our services and costs Edition: July 2014

About our services and costs Edition: July 2014 Services and Costs Disclosure Document: FP 10 R Riverfall Financial Limited Suite 311 RTEC, Civic Centre, Pavilion Road, West Bridgford, Nottingham, NG2 5AW. About our services and costs Edition: July

More information

We select products from a range of insurers for Life, Critical Illness Insurance and Permanent Health

We select products from a range of insurers for Life, Critical Illness Insurance and Permanent Health About our services: 1. The Financial Services Authority (FSA) The FSA is the independent Watchdog that regulates financial services. It requires us to give you this document. Please use this information

More information

about our services Mark Grayshan Mortgage & Insurance Suite 314, Woodend The Crescent Scarborough YO11 2PW Mob: 07767692653

about our services Mark Grayshan Mortgage & Insurance Suite 314, Woodend The Crescent Scarborough YO11 2PW Mob: 07767692653 about our services Mark Grayshan Mortgage & Suite 314, Woodend The Crescent Scarborough YO11 2PW Mob: 07767692653 1. The Financial Conduct Authority (FCA) The FCA is the independent watchdog that regulates

More information

about our services and costs

about our services and costs Services and Costs Disclosure Document: MP 10 R BTL. about our services and costs Greentree Financial Planning Flint Cottage, Sawyers Lane Suton, Wymondham Norfolk, NR18 9JH Edition: July 2014 Intrinsic

More information

Campbell & McConnachie Terms of Business Letter

Campbell & McConnachie Terms of Business Letter Campbell & McConnachie Terms of Business Letter This is our supplementary client agreement which should be read in conjunction with the Key Facts about our services and costs document which was provided

More information

about our services and costs

about our services and costs about our services and costs Bentley House Forge Lane Gt Bentley Colchester CO7 8GD The Financial Conduct Authority (FCA) The FCA is the independent watchdog that regulates financial services. This document

More information

Private Client Agreement

Private Client Agreement Private Client Agreement CONTENTS Our Services Service Propositions Fees for Services Client Declaration Our Services Introduction Two Six Financial offers independent financial advice. This means we act

More information

When selecting a lender we will not consider those that are only available by you going direct to them. A full list of the lenders is attached.

When selecting a lender we will not consider those that are only available by you going direct to them. A full list of the lenders is attached. Our Mortgage and Insurance Services & Costs The Financial Conduct Authority Innovation Financial Management Ltd is authorised and regulated by the Financial Conduct Authority (FCA). The FCA regulates financial

More information

Equity Release Initial disclosure document for:

Equity Release Initial disclosure document for: Equity Release Initial disclosure document for: Money In Person 14 Albert Road Tamworth Staffs B79 7JN 1. The Financial Conduct Authority (FCA) The FCA is the independent watchdog that regulates financial

More information

The terms of this Client Agreement come into force immediately on issue and remain in force until further notice.

The terms of this Client Agreement come into force immediately on issue and remain in force until further notice. Client agreement 19 Strathern Road Leicester LE3 9QA Tel: 0116 2355 733 Fax: 0116 227 1372 info@santorini-fp.co.uk www.santorini-fp.co.uk Co. Registered No 7472685/ Registered in England/ Registered office

More information

about our services and costs

about our services and costs Services and Costs Disclosure Document: Buy to Let, Protection & GI v1 14.08.15 about our services and costs Oaklands Business Centre Hooton Road, Hooton Cheshire, CH66 7NZ. Tel: - 0151 328 5678 Intrinsic

More information

Working together; Our Service Charter

Working together; Our Service Charter Refreshingly Individual Financial Planning Since 1898 Working together; Our Service Charter Terms of Engagement Wilfred T Fry (Personal Financial Planning) Ltd is the regulated name of The Fry Group (TFG)

More information

White Knight Group Britannia House High Street Bream, LYDNEY Glos. GL15 6JS Tel: (01594) 564444

White Knight Group Britannia House High Street Bream, LYDNEY Glos. GL15 6JS Tel: (01594) 564444 about our Services and Costs White Knight Group Britannia House High Street Bream, LYDNEY Glos. GL15 6JS Tel: (01594) 564444 www.whiteknightgroup.co.uk 1. The Financial Conduct Authority (FCA) The FCA

More information

Insurance. Equity Release Products. 4. What will you have to pay us for our services? Investment Charges & Fees:

Insurance. Equity Release Products. 4. What will you have to pay us for our services? Investment Charges & Fees: 1. The Financial Conduct Authority (FCA) about our services and costs Ashcourt Rowan Financial Planning Limited Towry House Western Road Bracknell RG12 1TL Tel: 01344 828000 Fax: 01344 828001 The FCA is

More information

about our services and costs

about our services and costs about our services and costs V7 28 th July 2015 Kelvin Financial Planning 180 West Regent Street Glasgow G2 4RW 1. The Financial Conduct Authority (FCA) The FCA is the independent watchdog that regulates

More information

WEALTH MANAGEMENT STRATEGIES - TERMS OF BUSINESS

WEALTH MANAGEMENT STRATEGIES - TERMS OF BUSINESS WEALTH MANAGEMENT STRATEGIES - TERMS OF BUSINESS Ian O Brien Limited (trading as Wealth Management Strategies) are Independent Financial Planners. Wealth Management Strategies is an appointed representative

More information

INTRODUCTION TO LUKER ROWE & TERMS OF BUSINESS FINANCIAL SERVICES

INTRODUCTION TO LUKER ROWE & TERMS OF BUSINESS FINANCIAL SERVICES Luker Rowe Independent Financial Advisers Century House, London Road Amersham, Buckinghamshire, HP7 0TU Tel: 01494 733337; Fax: 01494 733366; Email: admin@lukerrowe.com Welcome to Luker Rowe and our Terms

More information

about our costs and services

about our costs and services about our costs and services Truly Independent Ltd Pacific House Parkhouse Carlisle Cumbria CA3 0LJ 1. The Financial Services Authority (FSA) The FSA is the independent watchdog that regulates financial

More information

about our services and costs

about our services and costs about our services and costs Avening, Lower End, Alvescot Oxfordshire, OX18 2QA 1. The Financial Conduct Authority (FCA) The FCA is the independent watchdog that regulates financial services. This document

More information

about our services and costs

about our services and costs Services and Costs Disclosure Document: GI 10 about our services and costs Paul Murray Solutions [A trading style of Hiint Limited] 5 Berwick Grove, Little Sutton Ellesmere Port, CH66 4PT Edition: July

More information

Crystal Financial Consultants 51 Moorgate London EC2R 6PB

Crystal Financial Consultants 51 Moorgate London EC2R 6PB about our services and costs Crystal Financial Consultants 6th Floor 51 Moorgate London EC2R 6PB 1. The Financial Services Authority (FSA) The FSA is the independent watchdog that regulates financial services.

More information

General Terms and Conditions RH Wealth Management Ltd March 2013. General Terms and Conditions

General Terms and Conditions RH Wealth Management Ltd March 2013. General Terms and Conditions General Terms and Conditions Together, the content of the accompanying brochure (if any), the menu of costs, the Client Agreement and these terms and conditions form the basis upon which you agree to engage

More information

Terms of Business. Regulated Activities Our principal business is mortgage lending and this activity is regulated by the Central Bank of Ireland.

Terms of Business. Regulated Activities Our principal business is mortgage lending and this activity is regulated by the Central Bank of Ireland. Terms of Business Provided in accordance with the Consumer Protection Code 2012 issued by the Central Bank of Ireland and can be found on the Central Bank s website www.centralbank.ie About Us Our legal

More information

Our Client Agreement and Statement of Services and Remuneration Corporate Clients

Our Client Agreement and Statement of Services and Remuneration Corporate Clients The Independent Life & Pensions Group Ltd 3 Adelaide House, Corbygate Business Park, Priors Haw Road, Corby, Northants, NN17 5JG Tel: 01536 443200 Email: info@ilpg.co.uk Fax: 01536 400550 Web: www.ilpg.co.uk

More information

When dealing with insurance products in each case we will advise you and make a recommendation after assessing your needs.

When dealing with insurance products in each case we will advise you and make a recommendation after assessing your needs. CS Wealth Consultancy General Terms and Conditions Bloxham Mill Barford Road Bloxham OX15 4FF Together, the content of the accompanying brochure (if any), the Menu of Costs, the Client Fee Agreement (if

More information

Initial Disclosure Document (IDD) and Terms of Business Agreement (TOBA)

Initial Disclosure Document (IDD) and Terms of Business Agreement (TOBA) Initial Disclosure Document (IDD) and Terms of Business Agreement (TOBA) About our insurance services Callaway & Sons Insurance Consultants Ltd 56 New Writtle Street, Chelmsford, Essex CM2 0SE 1 The Financial

More information

We are authorised by Personal Touch Financial Services Limited to advise and make arrangements in relation to Equity Release.

We are authorised by Personal Touch Financial Services Limited to advise and make arrangements in relation to Equity Release. General Terms and Conditions Hangar SE49 Gloucestershire Airport Cheltenham GL51 6SR Together, the content of the accompanying brochure (if any), the Client Fee Agreement (if we will be charging you a

More information

ABOUT OUR SERVICES AND COSTS AND HOW WE DO BUSINESS WITH YOU

ABOUT OUR SERVICES AND COSTS AND HOW WE DO BUSINESS WITH YOU Wesleyan Financial Services Ltd Colmore Circus Birmingham B4 6AR ABOUT OUR SERVICES AND COSTS AND HOW WE DO BUSINESS WITH YOU About this document This document explains the service we offer, how you will

More information

TERMS OF BUSINESS AGREEMENT

TERMS OF BUSINESS AGREEMENT Insurance and Reinsurance Brokers Iris Insurance Brokers Ltd 7 th Floor, New London House 6 London Street, London, EC3R 7LP United Kingdom. Tel: +44 (0)20 3178 7872 Fax: +44 (0)1702 431 644 Email: mail@irisib.com

More information

Commercial Terms of Business Agreement

Commercial Terms of Business Agreement Commercial Terms of Business Agreement The purpose of this document is to set out our professional relationship and the services we will provide to you. This is our standard client agreement upon which

More information

About our services and costs

About our services and costs About our services and costs P N DALES LTD Queens Head Chambers, 42 Kirk Gate, Newark, Nottinghamshire, NG24 1AB YOU SHOULD USE THE INFORMATION PROVIDED WITHIN THIS DOCUMENT TO DECIDE IF OUR SERVICES ARE

More information

Mis-Sold Payment Protection Insurance (PPI) Claims Pack

Mis-Sold Payment Protection Insurance (PPI) Claims Pack Mis-Sold Payment Protection Insurance (PPI) Claims Pack Debt Clear Solutions is delighted to enclose an information and application pack that will enable us to reclaim any mis-sold Payment Protection Insurance

More information

TERMS OF BUSINESS. For certain types of insurance we are also authorised to issue policy documentation and/or certificates on behalf of the insurers.

TERMS OF BUSINESS. For certain types of insurance we are also authorised to issue policy documentation and/or certificates on behalf of the insurers. TERMS OF BUSINESS This document is effective from 27 September 2013 and supersedes all Terms of Business previously issued by us. It sets out the terms upon which we agree to act for our clients and contains

More information

KEY FEATURES OF THE RELEVANT LIFE PLAN.

KEY FEATURES OF THE RELEVANT LIFE PLAN. RELEVANT LIFE PLAN KEY FEATURES OF THE RELEVANT LIFE PLAN. LIFE COVER This is an important document which should be kept in a safe place. 2 RELEVANT LIFE PLAN KEY FEATURES USING THIS DOCUMENT. WHAT ARE

More information

Professional Direct Insurance Ockford Mill Ockford Road Godalming GU7 1RH. Terms and Conditions of Business Agreement. Our Service

Professional Direct Insurance Ockford Mill Ockford Road Godalming GU7 1RH. Terms and Conditions of Business Agreement. Our Service Professional Direct Insurance Ockford Mill Ockford Road Godalming GU7 1RH Terms and Conditions of Business Agreement This document is important and sets out the basis upon which we will carry on our business

More information

Firm Registration Form

Firm Registration Form Firm Registration Form Firm Registration Form This registration form should be completed by firms who are authorised and regulated by the Financial Conduct Authority. All sections of this form are mandatory.

More information

TERMS OF BUSINESS AGREEMENT - INSURANCE BROKING

TERMS OF BUSINESS AGREEMENT - INSURANCE BROKING 1. BROKER INFORMATION TERMS OF BUSINESS AGREEMENT - INSURANCE BROKING Stephenson s (2000) Ltd T/As Cooke & Mason, Manor House 3 Low Moor Road Lincoln LN6 3JY is an independent Chartered Insurance Broker.

More information

About our services. 1. The Financial Services Authority (FSA) 2. What products do we offer? Investments. Mortgages

About our services. 1. The Financial Services Authority (FSA) 2. What products do we offer? Investments. Mortgages About our services Green Light Mortgages 19 Coopers Crescent Borehamwood Hertfordshire WD6 5RF 1. The Financial Services Authority (FSA) The FSA is the independent Watchdog that regulates financial services.

More information

Stocks & Shares ISA Transfer form Cazenove Investment Fund Company - B Class shares

Stocks & Shares ISA Transfer form Cazenove Investment Fund Company - B Class shares Stocks & Shares ISA Transfer form Cazenove Investment Fund Company - B Class shares For your own benefit and protection you should read carefully Cazenove Investment Fund Company s Key Investor Information

More information

Terms and conditions

Terms and conditions Terms and conditions The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

Term assurance, critical illness, mortgage payment protection, income protection insurance, payment protection insurance and household Insurance.

Term assurance, critical illness, mortgage payment protection, income protection insurance, payment protection insurance and household Insurance. The Surrey Mortgage Broker General Terms and Conditions 10 Borelli Yard The Borough Farnham Surrey GU9 7NU Together, the content of the accompanying brochure (if any), the Client Fee Agreement (if we will

More information

TERMS OF BUSINESS FOR CLIENTS

TERMS OF BUSINESS FOR CLIENTS TERMS OF BUSINESS FOR CLIENTS Introduction This Terms of Business Agreement (TOBA) sets out the nature and scope of the services Premier Choice Group will be providing to you and other information required

More information

Corporate Insurance Solutions Ltd BUSINESS INSURANCE CONSULTANTS

Corporate Insurance Solutions Ltd BUSINESS INSURANCE CONSULTANTS Terms of Business This Agreement is between You our client or potential client and Corporate Insurance Solutions Ltd and applies to all work that we carry out on your behalf. Corporate Insurance Solutions

More information

about our services and costs

about our services and costs about our services and costs Finesco Financial Services Limited 1. The Financial Services Authority (FSA) 6 Woodside Crescent Glasgow G3 7UL The FSA is the independent watchdog that regulates financial

More information

Terms of Business. Accepting our Terms of Business

Terms of Business. Accepting our Terms of Business Accepting our Terms of Business Terms of Business By asking us to quote for, arrange or handle your insurances, you are providing your informed agreement to these Terms of Business. We draw your particular

More information

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with?

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with? Terms of Business The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

Private Client Service Proposition

Private Client Service Proposition Independent Financial Advisers Private Client Service Proposition W B Baxter Ltd 263 Cranbrook Road Ilford, Essex IG1 4TG T: 020 8554 5500 E: insurance@wbbaxter.co.uk W: www.wbbaxter.co.uk W B Baxter Ltd

More information

Trade Direct Insurance Services Ltd Trade Direct House Ockford Road Godalming GU7 1RH. Terms and Conditions of Business Agreement

Trade Direct Insurance Services Ltd Trade Direct House Ockford Road Godalming GU7 1RH. Terms and Conditions of Business Agreement Trade Direct Insurance Services Ltd Trade Direct House Ockford Road Godalming GU7 1RH Terms and Conditions of Business Agreement This document is important and sets out the basis upon which we will carry

More information

About our Services and Costs of our Services

About our Services and Costs of our Services About our Services and Costs of our Services S-Tech Services Ltd 154/156 Victoria Road Cambridge CB4 3DZ Tel: 01223 445436 www.s-tech.co.uk Version 01/04/2015 1. The Financial Conduct Authority (FCA) The

More information

about our services & costs

about our services & costs about our services & costs Unit 16, The Globe Centre, Wellfield Road, Cardiff CF24 3PE 1 The Financial Conduct Authority (FCA) The FCA is the independent watchdog that regulates financial services. This

More information

CD 1/14/2015 10:17:00 AM LP 1/14/2015 10:37:00 AM V.1

CD 1/14/2015 10:17:00 AM LP 1/14/2015 10:37:00 AM V.1 CD 1/14/2015 10:17:00 AM Client Information Insured: Postal Address: Trading Addresses Full Description of Activities: FCA Client Classification: Waste Managememtn Resources Ltd 7-10 Penhall Road, London,

More information

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with?

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with? Terms of Business The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

about our services and costs

about our services and costs about our services and costs Midas Management Ltd This document provides information regarding our Financial Planning Services, which includes advice on pension and financial protection policies. Please

More information

We are authorised by Personal Touch Financial Services Limited to advise and make arrangements in relation to protection and general insurance.

We are authorised by Personal Touch Financial Services Limited to advise and make arrangements in relation to protection and general insurance. Quote Store 11 The Grange Cottam Preston Lancashire PR4 0LR General Terms and Conditions Together, the content of the accompanying brochure (if any), the Client Fee Agreement (if we will be charging you

More information

Terms and Conditions

Terms and Conditions Terms and Conditions Contents 1 About Brooks Macdonald 3 2 The Client Agreement and commencement of Services 3 3 Understanding these Terms 3 4 Relationships with Professional Advisers 5 5 Client categorisation

More information

Family Select Legal Protection

Family Select Legal Protection Family Select Legal Protection It may be an employment matter, a dispute over goods that you purchase or sell, or you and your family may find yourself involved in legal areas which are governed by a minefield

More information

We offer products from a range of insurers for any of the following insurance products:

We offer products from a range of insurers for any of the following insurance products: 109 Maldon Road Colchester Essex CO3 3AX General Terms and Conditions Together, the content of the accompanying brochure (if any), the Client Fee Agreement (if we will be charging you a fee) and these

More information

Terms of Business Cedarhill Financial Thinking Limited

Terms of Business Cedarhill Financial Thinking Limited Terms of Business Cedarhill Financial Thinking Limited Legal Name: Cedarhill Financial Thinking Limited Address: Carmichael House,, Contact Details: Telephone: 01 6024700, Effective Date: 7 th July 2015

More information

Key Rules for General Insurance Brokers

Key Rules for General Insurance Brokers Key Rules for General Insurance Brokers Contents 1. Introduction 3 2. Principles for businesses 6 3. Conduct of business rules 7 Financial promotion 7 Initial disclosure 9 Arranging and suitable advice

More information

JPR INSURANCE BROKERS LIMITED TERMS OF BUSINESS AGREEMENT (TOBA)

JPR INSURANCE BROKERS LIMITED TERMS OF BUSINESS AGREEMENT (TOBA) 1. Please read this document carefully. JPR INSURANCE BROKERS LIMITED TERMS OF BUSINESS AGREEMENT (TOBA) It sets out the terms on which we agree to act for our clients and contains details of our regulatory

More information

INDIVIDUAL SAVINGS ACCOUNT (ISA) KEY FEATURES. What is the

INDIVIDUAL SAVINGS ACCOUNT (ISA) KEY FEATURES. What is the Legal & General (Portfolio management SERVICES) LIMITED Legal & General Stock Market Linked Savings Bond 7 Individual Savings Account (ISA). Key Features 2 INDIVIDUAL SAVINGS ACCOUNT (ISA) KEY FEATURES

More information

197 Ecclesall Road, SHEFFIELD S11 8HW METRO FINANCE HELPING YOU GET THE MORTGAGE YOU WANT

197 Ecclesall Road, SHEFFIELD S11 8HW METRO FINANCE HELPING YOU GET THE MORTGAGE YOU WANT www.metrofinance.co.uk Fourth Floor, Wards Exchange, 197 Ecclesall Road, SHEFFIELD S11 8HW METRO FINANCE HELPING YOU GET THE MORTGAGE YOU WANT ON THE FOLLOWING PAGES YOU WILL FIND INFORMATION TO HELP YOU

More information